Umshwalense premium

Umshwalense premium limelela imali yomshwalense, ikhokhwe esenziwa umthetho endabeni umshwalense kuphoqelelwe khona noma umshwalense yokuzithandela ngaphansi imigomo yesivumelwano, esebenzisa akha yesikhwama umshwalense.

I-premium umshwalense njengendlela mqondo, ngokuvumelana nokuqukethwe kwalo, has kuyimiphumela emithathu:

• zomthetho - kubonakala ecacisiwe zangaphambi yemali isibopho sezomthetho umshwalense, okuyinto kuqinisekiswa inkontileka umshwalense waphetha phakathi kwezinhlangothi zombili;

• kwezomnotho - izenzo njengendlela Ingxenye ingeniso kazwelonke esabelwe kwesamba, ukuqinisekisa izinzuzo zalo emiphumeleni elimazayo noma engathandeki kungenzeka izigameko ezingezinhle ezavela (amacala umshwalense);

• izibalo - sivezwe kula uhlobo okuphindayo zenkathi ukuze ngomshuwalense ngu kwesamba.

Izindleko amasevisi umshwalense okuboniswe lemali ekhokhwe pholisi ukuba ngomshuwalense zomshuwalense premium, okungukuthi, ngamanye amazwi, ukubaluleka amasevisi ngomshuwalense sika olunikezwa ukuba iklayenti uma kwenzeka isenzakalo kwesamba. Ukubala we-premium umshwalense senziwa ngokusho tariff umshwalense. Emithetho umshwalense izinga lichazwa ngokuthi izinga zomshuwalense premium ukuze into umshwalense noma isamba iyunithi oVikelwe.

I-premium umshwalense kumele abe nenani elanele:

• ikhava kulindeleke izimangalo phakathi nayo yonke inkathi umshwalense;
• ukudalwa izinqolobane umshwalense;
• nezindleko izinkampani umshwalense ku ukuziphatha izindaba;
• ukuqinisekisa inzuzo wekhasi ezithile.

Lokho buyingxenye okuyinto ngezithukuthuku yesikhwama umshwalense ukuthi yenzelwe kuphela izinkokhelo umshwalense, okuthiwa i-premium ye-net efanayo, okuhloswe ngaso enifeza zomshuwalense ukuze kuvalwe izindleko umshwalense - umthwalo. premium Net, unjalo izindleko umshwalense, ngaphandle izindleko wokubuyekeza, etholakalayo womshuwalensi. Eqinisweni, i-umshwalense premium - inhlanganisela premium inetha kanye ukulayisha, futhi ibizwa nangokuthi i iphrimiyamu okwedlulele.

Izinhlobo umshwalense premium

izici ezihlukahlukene lobuchwepheshe we-premium libhekene imiqondo ehlukene.

Ngu aphoyintimenti ihlukaniswe yaba:

• ingozi premium, Awenzelwe ingozi;

• Imali isitoreji, okuyinto ekhona izivumelwano yomshwalense kanye ihlanganisa izinkokhelo pholisi uma isikhathi umshwalense iphela;

• premium net, ehlanganisa izinkokhelo umshwalense okwesikhathi esithile isikhathi othile lomshuwalense ;

• umnikelo eyanele ilingana nenani umthwalo net amaprimiyamu, okuyinto afakiwe izindleko umshwalense;

• tariff izinga umshwalense ehlanganisa iminikelo okwanele amaphrimiyamu edingekayo ukuze kuvalwe izindleko ezihlobene ezihlukahlukene izinyathelo zokuzivikela, ukukhuthazwa kanye nokukhangisa, nokuningi.

Ngu uhlobo yomshuwalense ingozi premium libhekwa ku zemvelo, ehlanganisa ingozi isikhathi othize yesikhathi, futhi esinqunyiwe, ungalilahli ukushintsha isikhathi, ukuthi kuyinto njalo.

umshuwalense zihlukaniswe ngokuvumelana indlela yokukhokha ukuze:

• eyisamba, okuyinto ngokugcwele esakhokhwa insured ngesikhathi umshwalense kusengaphambili;

• imali wamanje - kuyinto engxenyeni ethile yesikhathi esisodwa-premium, ngoba ingxenye kokuzibophezela okwenziwa insured mayelana umshwalense;

• Engamancozuncozu umklomelo - yinhlama umklomelo isamba for yonyaka ihlukaniswe, okuyinto uyakucabangela amathuba ezomnotho oVikelwe, futhi, esikhundleni salokho, ingahlukaniswa ibe ngenyanga, ngekota, semiannual (ezingxenyeni alinganayo).

umshuwalense ingahlukaniswa futhi ku inkokhelo yesikhathi, in reflection yabo phezu-balance sheet inkampani yomshuwalense kanye ngobukhulu.